Rehabilitation and Renovation

Cheryl Meadows, Executive Director

  • SNHS Rehab Loans
    Renovation and repair loans to homeowners within the City limits of Salisbury. The low interest rate is assigned at the time of pre-qualification. The maximum loan amount is $25,000 unless otherwise approved by the SNHS loan committee.  The term is determined based upon the scope of work, the amount of the loan and affordability of the applicant.
  • State of Maryland Housing Rehab Programs
    • MHRP – Maryland Home Rehabilitation Program A State of Maryland (DHCD) – Rehab program packaged by SNHS for homeowners within the city of Salisbury limits. Applicant’s total household income must be below 80% of Area Median Income to be eligible for this program. The interest rate (0-7%) and the terms are set by the State of Maryland based on affordability. Deferred (for 20 years) loans are possible for very low-income (below 50% of Area Median Income) homeowners.
    • S.T.A.R. – Special Targeted Applicant Rehabilitation Program – A State of Maryland (DHCD) rehab program packaged by SNHS for homeowners within the city of Salisbury limits for extremely low income level households. Applicant’s total household income must generally be below 30% of Area Median Income, or up to 55% of AMI in certain circumstances. Payment is deferred for 20 years.
    • LHRGLP – Lead Hazard Reduction Grant Loan Program – A State of Maryland (DHCD) rehab program packaged by SNHS for homeowners within most of the city of Salisbury limits (depending upon census tract). Grant or loan approval is made by the State’s DHCD agency based on affordability and equity (or lack thereof).
  •  Construction/Rehabilitation Technical Assistance
    Customer support in understanding the housing rehabilitation process. 
  • Grants for repairs
    A CDBG-funded program available to homeowners with a total household income below 80% of Area Median Income to make repairs generally relative to health and safety factors. Funds are on a limited first-come, first-served basis. SNHS offers this program within city limits only. Those located in the County should contact Planning, Zoning & Community Development department in the Government building downtown. The maximum grant amount may vary from one grant round to the next. The associated lien is 5-years and is forgivable after that period has passed.

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